Tennessee Airbnb Calculator
Project a Tennessee short-term rental with state property-tax and insurance defaults, editable platform fees, lodging-tax treatment, operating expenses, cash flow, and break-even occupancy.
Local verification required. Tennesseedefaults do not determine whether an STR is legal at a specific address. Verify city, county, zoning, HOA, primary-residence, permit, tax-registration, and platform collection rules before relying on the projection.
Tennessee STR assumptions
This page seeds the calculator with a starting property value of $290,000.00 and a starting ADR of $163.00. These are screening defaults, not local revenue data. Replace them with nearby comparable STRs, seasonality, and actual booking history when available.
Property tax is seeded from the Tennessee effective property-tax rate of 0.52%. Insurance uses the same state risk model as the other REI analyzers. Lodging tax is deliberately user-entered because city, county, tourism, convention, and occupancy taxes are often local.
STR diligence note from the Tennessee investing profile: Nashville has one of the most complex and restrictive STR frameworks in the country — non-owner-occupied STR permits were effectively banned in most residential zones in 2023. Owner-occupied STRs continue with limits. Nashville STR ordinance has been actively amended — critically important for investors targeting Nashville STR. Memphis and other cities have their own frameworks.
Market context: Nashville/Davidson County (largest, most dynamic, but STR significantly restricted and prices elevated). Memphis/Shelby County (top cash flow market nationally, affordable SFR, deep investor community). Knoxville/Knox County (UT anchor, growing tech/healthcare, hybrid). Chattanooga/Hamilton County (emerging tech market, outdoor recreation hub, hybrid). Clarksville/Montgomery County (Fort Campbell military, strong cash flow, one of fastest-growing mid-size cities in U.S.). Murfreesboro/Rutherford County (Nashville suburb, fastest-growing county in TN, SFR demand).
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